West Bromwich Building Society Balance Sheet Health
Financial Health criteria checks 2/6
West Bromwich Building Society has total assets of £6.4B and total equity of £447.9M. Total deposits are £36.2M, and total loans are £5.2B earning a Net Interest Margin of 1.8%. It has insufficient allowance for bad loans, which are currently at 5.1% of total loans. Cash and short-term investments are £701.1M.
Key information
14.3x
Asset to equity ratio
1.8%
Net interest margin
| Total deposits | UK£36.20m |
| Loan to deposit ratio | High |
| Bad loans | 5.1% |
| Allowance for bad loans | Low |
| Current ratio | Good |
| Cash & equivalents | UK£701.10m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: WBROM's Assets to Equity ratio (14.3x) is moderate.
Allowance for Bad Loans: WBROM has a low allowance for bad loans (38%).
Low Risk Liabilities: 99% of WBROM's liabilities are made up of primarily higher risk sources of funding.
Loan Level: WBROM has an appropriate level of Loans to Assets ratio (81%).
Low Risk Deposits: WBROM's Loans to Deposits ratio (14252%) is high.
Level of Bad Loans: WBROM has a high level of bad loans (5.1%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/20 18:35 |
| End of Day Share Price | 2024/12/06 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2024/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
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Industry and Sector Metrics
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Analyst Sources
West Bromwich Building Society is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
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